raghuram
05-08 11:31 AM
I took from:
Visitor Health Insurance, Pre-existing condition coverage, AIU (http://www..org/)
They cover pre existing conditions and one consultation for pre existing condition.
Routine expenses are never covered in any plan. What may be covered is unexpected emergency due to pre-existing conditions. That is, an acute onset of pre-existing conditions. Those are two different things.
Anyway, 's is a fixed coverage plan, that has daily limits on each coverage and pays only a small portion of actual expenses, even for new conditions.
Visitor Health Insurance, Pre-existing condition coverage, AIU (http://www..org/)
They cover pre existing conditions and one consultation for pre existing condition.
Routine expenses are never covered in any plan. What may be covered is unexpected emergency due to pre-existing conditions. That is, an acute onset of pre-existing conditions. Those are two different things.
Anyway, 's is a fixed coverage plan, that has daily limits on each coverage and pays only a small portion of actual expenses, even for new conditions.
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sreeraghu
11-03 04:51 PM
Please Vote, this is one of the best way to know, where we stand. Make a lil easy in making further decisions.
ElectricGrandpa
06-19 05:23 PM
cool one brightspark.
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floridasun
01-27 10:30 AM
First of all note that the original post was alomst year and a half old so dont go by the ideas there now :D
In commodity markets you trade futures and spot. Spot means immidate delivery of the under lying commodity. In futures you pay today for delivery at a future date. So typically the price of the future will be the price of spot + the storage charge (simple calculation to give you an idea considering no premiums). As the day of delivery approaches the price will pull to spot price. For example if west texas intermediate (WTI) crude is $92 spot price the 3 month future will be $100. (92+8 for storage). Considering that the spot price does not change at all, in three months time the price of the oil you will now be purchasing will be $92, but you paid $100 for it. This is backwardation. This is usually how markets are most of the time.
Now if in 3 months the price of WTI is trading at $110, you will own oil you paid $100 for and now can turn around and sell for $110. This is contango.
When you buy a commodity ETF, they dont take actual delivery of the product, they roll their contarcts. So they will hold a 3 month contarct and when the third month approaches they sell the contarct and get another 3 month contaract. If market is in backwardation then they will always be buying high and selling low. If market is in contango they will make money but as soon as it switches back to backwardation they will ride down the slide and loose all the money they made. So I dont think ETF's are agood way of making money in commodities passively. You can actively manage the ETF portfolio and make money using options and hedges and leveraged ETF's. But buy and hold, I suggest go and invest with a CTA who will be trading rule based to negate the effects of contango and backwardation.
Hope this is simple enough:)
Thanks smisachu. that was informative. FYI right now I am double shorting crude oil - with everyone calling higher crude oil prices in future, I may be in for a loss here... but willing to hold till I get break even :-)
In commodity markets you trade futures and spot. Spot means immidate delivery of the under lying commodity. In futures you pay today for delivery at a future date. So typically the price of the future will be the price of spot + the storage charge (simple calculation to give you an idea considering no premiums). As the day of delivery approaches the price will pull to spot price. For example if west texas intermediate (WTI) crude is $92 spot price the 3 month future will be $100. (92+8 for storage). Considering that the spot price does not change at all, in three months time the price of the oil you will now be purchasing will be $92, but you paid $100 for it. This is backwardation. This is usually how markets are most of the time.
Now if in 3 months the price of WTI is trading at $110, you will own oil you paid $100 for and now can turn around and sell for $110. This is contango.
When you buy a commodity ETF, they dont take actual delivery of the product, they roll their contarcts. So they will hold a 3 month contarct and when the third month approaches they sell the contarct and get another 3 month contaract. If market is in backwardation then they will always be buying high and selling low. If market is in contango they will make money but as soon as it switches back to backwardation they will ride down the slide and loose all the money they made. So I dont think ETF's are agood way of making money in commodities passively. You can actively manage the ETF portfolio and make money using options and hedges and leveraged ETF's. But buy and hold, I suggest go and invest with a CTA who will be trading rule based to negate the effects of contango and backwardation.
Hope this is simple enough:)
Thanks smisachu. that was informative. FYI right now I am double shorting crude oil - with everyone calling higher crude oil prices in future, I may be in for a loss here... but willing to hold till I get break even :-)
more...
$eeGrEeN
01-30 09:20 AM
i quote from the news article .....
"This rule will not only eliminate substitutition on the OMB approval and release in the Federal Register but also kill the certified labor certification unless it is used within 45 days from the date of certification! Please stay tuned to this web site reporting."
this still means one's employer can substitute it within the 45 day period ?? isn't it ...
"This rule will not only eliminate substitutition on the OMB approval and release in the Federal Register but also kill the certified labor certification unless it is used within 45 days from the date of certification! Please stay tuned to this web site reporting."
this still means one's employer can substitute it within the 45 day period ?? isn't it ...
pappu
04-26 11:45 AM
http://www.businessweek.com/bwdaily/dnflash/content/apr2009/db20090423_219068.htm
But advocates for skilled immigrants�many of whom remain stuck for years on H-1Bs waiting in the long queue for permanent residency�worry that the bill is a political maneuver rather than an earnest effort at reform. Aman Kapoor, president of the skilled immigrant advocate group Immigration Voice, says that a more effective bill would ensure H-1B visa workers are on a level playing field with U.S. workers. "Skilled immigrants on H-1Bs don't get the same rights and protections as everyone else," says Kapoor. "So wouldn't the solution be to empower and enable the skilled immigrants on H-1Bs such that�skilled immigrants on H-1s have adequate protections so that no one can take advantage of [them]? But no one wants to talk about protections for skilled immigrants."
But advocates for skilled immigrants�many of whom remain stuck for years on H-1Bs waiting in the long queue for permanent residency�worry that the bill is a political maneuver rather than an earnest effort at reform. Aman Kapoor, president of the skilled immigrant advocate group Immigration Voice, says that a more effective bill would ensure H-1B visa workers are on a level playing field with U.S. workers. "Skilled immigrants on H-1Bs don't get the same rights and protections as everyone else," says Kapoor. "So wouldn't the solution be to empower and enable the skilled immigrants on H-1Bs such that�skilled immigrants on H-1s have adequate protections so that no one can take advantage of [them]? But no one wants to talk about protections for skilled immigrants."
more...
ps57002
07-26 11:35 AM
I guess I feel more and more hopeless by each second/minute
My PERM application (5/28/07 PD) stuck at Atlanta
In meantime I asked my lawyer what my employer would need to get for me (my employer has been a major pain and slow beyond words...took years to get PERm going...i'm seriously just done/depressed with so much). My lawyer said they would need to provide 2006 tax docs and sign bunch of papers etc.
Checked with employer...it's an average work place...must have 100 employees i think....and i'm told by HR (this woman in charge seriously has some stuff against me...i don't know) that they don't have 2006 returns, just 2005...come on a legal place like them has to have filed 2006 return.... but this is what i'm told..
I guess what's the point...without those docs, which i assume are initial evidence, i have no hope....
me...really sad....
My PERM application (5/28/07 PD) stuck at Atlanta
In meantime I asked my lawyer what my employer would need to get for me (my employer has been a major pain and slow beyond words...took years to get PERm going...i'm seriously just done/depressed with so much). My lawyer said they would need to provide 2006 tax docs and sign bunch of papers etc.
Checked with employer...it's an average work place...must have 100 employees i think....and i'm told by HR (this woman in charge seriously has some stuff against me...i don't know) that they don't have 2006 returns, just 2005...come on a legal place like them has to have filed 2006 return.... but this is what i'm told..
I guess what's the point...without those docs, which i assume are initial evidence, i have no hope....
me...really sad....
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chanduv23
07-03 07:37 AM
IV will be willing to help as needed.
THOSE ARE GOLDEN WORDS.
Go IV Go.
Come on folks, lets start the cleansing work - IV is our organization and lets help IV help us.
THOSE ARE GOLDEN WORDS.
Go IV Go.
Come on folks, lets start the cleansing work - IV is our organization and lets help IV help us.
more...
shree772000
10-09 04:46 PM
You are right on - most of conversations/analysis on RE market in India (especially Hyderabad which I am familiar with) center around how NRI/IT employee money has spurred the prices. its a big urban legend. Majority of these "investments" were with black money - corrupt govt employees, local businessmen, and politicians of all parties, and ultra rich actors. They saw a chance in converting their black money into white and pumped up into RE projects as "investments". I saw a report somewhere which said that these black-money transactions can account for atleast 33% of RE transactions in hyderabad (with another 1/3 coming from companies/FII's and only the other 1/3 from NRI's + local rich professionals like IT employees/doctors/lawyers etc). In the apartment and SF homes market most of the projects are in the mid-way thru completion -with majority of apartment projects scheduled to complete in 2009-11. During that time there will be abundant apartments with not many people living in them - expect to see rental prices go down even more.
Of course these investors would eventually try to cash their assets - and deman vs supply equations change dramatically to drag down prices. In addition to this - the current global economic conditions are bad (to put it very mildly) - the argument that it will not touch India may not be correct. Our economy is a lot smaller than other economies like US/europe and depend a lot on those economies - more financial companies bankruptsies would affect IT companies revenues. Also there were direct investments from some of the failed companies in India - for example Lehman Bros had a investment in one of apartment project in Hyderabad. Morgan Stanley, Merrill Lynch, etc. all have tie ups with RE companies with huge "promised" investments. Now that they themselves are in trouble - dont think that they would venture into indian RE market anymore - this can also potentially drag down prices.
I could be wrong (was saying that this would happen for last one year - it didnt happen so far ;)) - but I think buying an apartment/house in Hyderabad/Bangalore/Chennai now in 2008 as an "investment" is not a great idea. If the buy is to live there - then its another matter (I never look at my home as an investment - its more of a life style choice whether in India or in US).
On the same note.... On my last trip to India, Hyd specifically...I went around and asked some people I knew for an estimate on a property...I saw people just pulled the numbers out of thin air. I donno how they came to the number, there was nothing to track the real value, like revenue records etc.
I think this also causes the bubble we are seeing, as some people who have cash and are willing to pay may buy it at that price and that will cause people to think that its actually worth that much.
Of course these investors would eventually try to cash their assets - and deman vs supply equations change dramatically to drag down prices. In addition to this - the current global economic conditions are bad (to put it very mildly) - the argument that it will not touch India may not be correct. Our economy is a lot smaller than other economies like US/europe and depend a lot on those economies - more financial companies bankruptsies would affect IT companies revenues. Also there were direct investments from some of the failed companies in India - for example Lehman Bros had a investment in one of apartment project in Hyderabad. Morgan Stanley, Merrill Lynch, etc. all have tie ups with RE companies with huge "promised" investments. Now that they themselves are in trouble - dont think that they would venture into indian RE market anymore - this can also potentially drag down prices.
I could be wrong (was saying that this would happen for last one year - it didnt happen so far ;)) - but I think buying an apartment/house in Hyderabad/Bangalore/Chennai now in 2008 as an "investment" is not a great idea. If the buy is to live there - then its another matter (I never look at my home as an investment - its more of a life style choice whether in India or in US).
On the same note.... On my last trip to India, Hyd specifically...I went around and asked some people I knew for an estimate on a property...I saw people just pulled the numbers out of thin air. I donno how they came to the number, there was nothing to track the real value, like revenue records etc.
I think this also causes the bubble we are seeing, as some people who have cash and are willing to pay may buy it at that price and that will cause people to think that its actually worth that much.
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walking_dude
11-28 12:35 PM
Dear Mr. Larry Malace,
As a highly-skilled Employment-based immigrant living in Michigan, I am appalled to know a company like Malace - with a diverse workforce - is sponsoring an anti-immigrant show like "WWJ Business Breakfast" with Mr. LOU DOBBS, which is scheduled to air on Nov 29 between 8 a.m. - 9:30 a.m.
Mr. Dobbs is known for his strong views against immigrants, including considering immigrants to be responsible for the spread of incurable diseases such as Drug-resistant Tuberculosis, Leprosy etc. From past experience on CNN, he is also highly likely to blame the current crisis in Auto Industry to the so-called "importation of cheap labor from third world countries".
He is known to make exaggerated statements such as "Four hundred thousand H1Bs granted in a year" where as facts show otherwise. As per government figures, federal government awarded 124,096 H-1B visas in the fiscal year ending October 2005, the most recent annual totals available. That includes renewed visas, which don't count against the annual cap. These dramatic exaggerations distort the reality and provide a falsified alarmist view of the situation; which works against the interests of Immigrants ,businesses and American economy.
It's not in the best interests of a respected company like Malace & Associates to associate itself with a blatantly anti-immigrant show, that can harm the company's image in the community. I request you to withdraw sponsorship of the show in the best interests of your company and that of the immigrants in the community some of whom may be your workers and business associates.
Appreciate hearing from you soon.
Yours sincerely,
xxxxx
As a highly-skilled Employment-based immigrant living in Michigan, I am appalled to know a company like Malace - with a diverse workforce - is sponsoring an anti-immigrant show like "WWJ Business Breakfast" with Mr. LOU DOBBS, which is scheduled to air on Nov 29 between 8 a.m. - 9:30 a.m.
Mr. Dobbs is known for his strong views against immigrants, including considering immigrants to be responsible for the spread of incurable diseases such as Drug-resistant Tuberculosis, Leprosy etc. From past experience on CNN, he is also highly likely to blame the current crisis in Auto Industry to the so-called "importation of cheap labor from third world countries".
He is known to make exaggerated statements such as "Four hundred thousand H1Bs granted in a year" where as facts show otherwise. As per government figures, federal government awarded 124,096 H-1B visas in the fiscal year ending October 2005, the most recent annual totals available. That includes renewed visas, which don't count against the annual cap. These dramatic exaggerations distort the reality and provide a falsified alarmist view of the situation; which works against the interests of Immigrants ,businesses and American economy.
It's not in the best interests of a respected company like Malace & Associates to associate itself with a blatantly anti-immigrant show, that can harm the company's image in the community. I request you to withdraw sponsorship of the show in the best interests of your company and that of the immigrants in the community some of whom may be your workers and business associates.
Appreciate hearing from you soon.
Yours sincerely,
xxxxx
more...
waitingGC
02-07 11:46 AM
Sorry to confuse you ..
It is very difficult to make a prediction...The 7% country quota for china is satisfied already...So it could be this october
The only chance that it happens is that visa overflow from other categories into EB2China/India...For that to happen..Eb3 world has to become current.....
That would mean that more visa are available than can be used for Rest of world...Then CHINA/India would get some more than 7% country quota....
So it could be Oct 07 or if you are lucky... earlier....
If immigration reform happens..you would definately become current immedialtely...
Thank you for your elaboration.
How do you know that all the unused visas go to EB3 before go to EB2?
Even if the immigration reform happens, will it take effect next year or sometime later? How come my PD can become current immediately once the immigration reform happens?
thanks
It is very difficult to make a prediction...The 7% country quota for china is satisfied already...So it could be this october
The only chance that it happens is that visa overflow from other categories into EB2China/India...For that to happen..Eb3 world has to become current.....
That would mean that more visa are available than can be used for Rest of world...Then CHINA/India would get some more than 7% country quota....
So it could be Oct 07 or if you are lucky... earlier....
If immigration reform happens..you would definately become current immedialtely...
Thank you for your elaboration.
How do you know that all the unused visas go to EB3 before go to EB2?
Even if the immigration reform happens, will it take effect next year or sometime later? How come my PD can become current immediately once the immigration reform happens?
thanks
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virald
11-26 01:32 PM
Are you saying we will all get our green cards ? :D
Although I love your interpretation, but i think he is talking about the new EAD fees....
Although I love your interpretation, but i think he is talking about the new EAD fees....
more...
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NKR
10-03 10:46 AM
US law offers student 1 year OPT to gain experience and find employment.
So you made use of this opportunity and you are asking others not to do what the law allows them to?...
fyi.. I am an EB2 I candidate and fyi� I did not port but I will not stand in the way of people wanting to get out of the clutches of those employers who act cheap.
So you made use of this opportunity and you are asking others not to do what the law allows them to?...
fyi.. I am an EB2 I candidate and fyi� I did not port but I will not stand in the way of people wanting to get out of the clutches of those employers who act cheap.
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shana04
09-24 10:21 AM
Hey sc3, please don't go, I have another video for you. Here it is. This one is really good.
rj-AdvsiczU
.
You rock man!
Really funny and you made my day. Giving you green.:D
rj-AdvsiczU
.
You rock man!
Really funny and you made my day. Giving you green.:D
more...
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mallu
10-18 01:01 AM
EB2 RIR/India
PD: Nov 2001
Labor Certification: March 2006
I-140: Approval April 2006
I-485 -May 2006
Finger Printing: June 2006
It took almost 4 1/2 years to get the labor certification and now its almost 17 months since my I-485 is pending approval. Took the path of writing to the FL, State Senator, Local Congressman and was fortunate to receive their response suggesting that its stuck in the namecheck stage and will have to wait for it to be completed. It has become a nightmare.... The only update in my case used to be whenever I initiate a service request. Now what is that which I can do to come out of this riddle....
Any suggestion in this regard is highly appreciated !!!!
Your application may be just sitting in their shelf because of name hits. The "in process" letter that FBI sends doesn't indicate much. Depending on how popular one's name is one might be in the namecheck hole for 4+ years.
PD: Nov 2001
Labor Certification: March 2006
I-140: Approval April 2006
I-485 -May 2006
Finger Printing: June 2006
It took almost 4 1/2 years to get the labor certification and now its almost 17 months since my I-485 is pending approval. Took the path of writing to the FL, State Senator, Local Congressman and was fortunate to receive their response suggesting that its stuck in the namecheck stage and will have to wait for it to be completed. It has become a nightmare.... The only update in my case used to be whenever I initiate a service request. Now what is that which I can do to come out of this riddle....
Any suggestion in this regard is highly appreciated !!!!
Your application may be just sitting in their shelf because of name hits. The "in process" letter that FBI sends doesn't indicate much. Depending on how popular one's name is one might be in the namecheck hole for 4+ years.
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akred
05-24 01:12 PM
Let's see -
1. USCIS doesn't have the resources to enforce the law.
2. Keeping legal status is very hard to impossible.
3. Being illegal pays off with amnesty
So the conclusion is clear - go stand in line for a Z1. The documentation required is flimsy (some affidavits).
1. USCIS doesn't have the resources to enforce the law.
2. Keeping legal status is very hard to impossible.
3. Being illegal pays off with amnesty
So the conclusion is clear - go stand in line for a Z1. The documentation required is flimsy (some affidavits).
more...
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DesiGuy
09-17 12:36 PM
6020
ammendment #7 proposed by Mr Smith; this is to the ammedmnet proposed by Lofgren....:rolleyes:
ammendment #7 proposed by Mr Smith; this is to the ammedmnet proposed by Lofgren....:rolleyes:
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texcan
09-11 10:57 AM
Your attoney should be able to defend your case based on you salary more than PW.
The GC process is for future employement, your bosses ability to pay exists since he has paid you more salary than PW.
Your employer may be making loss every year, but he is paying you more than PW. Now your salary in itself is an expense for employer, so the fact that he is paying you may be making his financials look a little weak in term of profit loss.
Look at other threads on RFE issues, and talk to your lawyer.
I think you are fine.
The GC process is for future employement, your bosses ability to pay exists since he has paid you more salary than PW.
Your employer may be making loss every year, but he is paying you more than PW. Now your salary in itself is an expense for employer, so the fact that he is paying you may be making his financials look a little weak in term of profit loss.
Look at other threads on RFE issues, and talk to your lawyer.
I think you are fine.
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hopefull
05-24 03:32 PM
I totally agree. They want to issue visas to all of them in a year... They will have more RFEs for legals than illgeal so people should work towards their temporary permnanent residency that is Z
You can call Jose in Mexico and they ll deliver a passport in less than a week. ALL WE NEED IS TO REGISTER A LAWN MOWING FIRM and then BILL THE CLIENT at 100$/Hr for first designing the plan for the mowing on a computer and then getting a MEXICAN to do it for us. ...;-)
AM I BEING REVERSE RACIST? AM I BAD? I think its healthy to speak your mind out against opression based on RACE
You can call Jose in Mexico and they ll deliver a passport in less than a week. ALL WE NEED IS TO REGISTER A LAWN MOWING FIRM and then BILL THE CLIENT at 100$/Hr for first designing the plan for the mowing on a computer and then getting a MEXICAN to do it for us. ...;-)
AM I BEING REVERSE RACIST? AM I BAD? I think its healthy to speak your mind out against opression based on RACE
trueguy
11-04 09:02 PM
Bump
natrajs
03-16 11:52 PM
Hey,
I have Bachelor's computer's 3 years and MCA 2 years from IGNOU. I have over 7 years of Exp excluding frm my current company. Is EB2 possible in my case. My employer says its not cause of my education, can anybody let me know if they have done EB2 with this scenario. Appreciate your time. Thanks
12 + 4 ( Education) + 5 Years progressive experiece qualify for EB2, you have 12+3+2 ( Education) + 7 Years - Yes you qualify for the EB2, However your job description should qualify for a EB2 position, consult a Attorney
I have Bachelor's computer's 3 years and MCA 2 years from IGNOU. I have over 7 years of Exp excluding frm my current company. Is EB2 possible in my case. My employer says its not cause of my education, can anybody let me know if they have done EB2 with this scenario. Appreciate your time. Thanks
12 + 4 ( Education) + 5 Years progressive experiece qualify for EB2, you have 12+3+2 ( Education) + 7 Years - Yes you qualify for the EB2, However your job description should qualify for a EB2 position, consult a Attorney